Between your full retirement age (see chart above), and the age of 70, your Social Security benefits will increase between 3 and 8 percent each year you delay your retirement. For example, for anyone born 1943 and later, their retirement benefits will increase by 8% for each year they delay until the age of 70.nder the Social Security laws, you can begin to receive your retirement payments once you hit the age of 62 (early retirement), at full retirement age (varies by year you were born), or at late retirement age (any age after your full retirement age).
A skin toner, also sometimes called toner, astringent, clarifying lotion or freshener, is a liquid or lotion that is used to wipe or wash the skin, primarily on the face.
How to Use a Skin Toner. Once you have selected the proper toner for your needs, you can start the skin care routine: Step 1: Wash the skin thoroughly with a cleanser or mild face wash. Step 2: Pat the skin dry. Do not scrub with a towel or washcloth as this can cause irritation. Step 3: Apply a small amount of your toner to a cotton pad or ball. Avoid dipping your cotton in the toner as this can leave streaks or contaminate your product. Step 4: Use a gentle stroking motion to apply the toner to your skin.